How the Calculator Works

Our calculator provides a personalized estimate based on key factors that influence your flood insurance premium, including:

• Location and Flood Zone: Your property’s flood risk is determined by FEMA’s flood zone maps. Homes in high-risk zones (A or V) typically pay higher premiums than those in moderate- or low-risk zones (B, C, or X).

• Property Characteristics: The size, elevation, and construction of your home or business affect your rate. Higher elevation and flood-resistant features can lower your cost.

• Coverage Amount: The more coverage you select for your building and contents, the higher your premium will be.

• Deductible: Choosing a higher deductible can reduce your annual premium, but you’ll pay more out of pocket if you file a claim.

• Community Discounts: Some communities receive discounts for flood mitigation efforts, which can lower your premium.

Average Flood Insurance Costs

Premiums can range from as low as $100 per year for contents-only coverage to over $13,000 in the highest-risk areas.

What Affects Your Estimate?

• Flood Zone: High-risk zones (A or V) have average premiums around $1,031 per year, while low- or moderate-risk zones average $691 per year.

• Elevation Certificate: Providing an elevation certificate may help you qualify for lower rates, as it documents your property’s height relative to base flood elevation.

• Proximity to Water: Homes closer to rivers, lakes, or the coast face higher premiums due to increased flood risk.

• Coverage Selections: More comprehensive coverage and lower deductibles increase your premium.

How to Use the Calculator

1. Enter Your Address: The calculator identifies your flood zone and risk level.

2. Provide Property Details: Share information about your building’s size, elevation, and construction.

3. Select Coverage: Choose the amount of building and contents coverage you need.

4. Adjust Deductible: Select your preferred deductible to see how it affects your premium.

5. Get Your Estimate: View your personalized premium estimate and compare options.

Tips to Lower Your Flood Insurance Cost

• Install flood vents or elevate utilities to reduce your risk and potentially qualify for discounts.

• Consider a higher deductible if you can afford the out-of-pocket expense.

• Shop around for private flood insurance, which may offer higher coverage limits or lower rates.

• Check if your community participates in FEMA’s Community Rating System for additional discounts.

Why Use Our Calculator?

• Instant Estimates: Get a quick, personalized quote based on your real risk factors.

• Transparency: See how various factors impact your premium before you purchase.

• Compare Options: Evaluate public (NFIP) and private flood insurance rates to find the best value for your needs.